Citigold Priority Banking in Singapore
Limited Time Citigold Promotion
October only
Lock in 2% p.a. (SGD) or 4.5% p.a. (USD) on 6 months fixed deposits
Promotional rates for new funds placed by Citigold clients. Ends 31 Oct 2026.
SGD fixed deposit
Min. new funds: S$250,000
USD fixed deposit
Min. new funds: US$200,000
Plus, get sign-up rewards worth up to S$7,899* when you open Citigold via SingSaver. See the offers below.
Rates apply to new funds of up to S$5,000,000 (SGD) or US$5,000,000 (USD). Fixed deposits (time deposits) are separate from the Citi Wealth First account. Promotion ends 31 Oct 2026. T&Cs apply.
Only on SingSaver: Our Biggest Citigold Offer
Sign-up rewards end 1 NOV 2026
Up to S$7,899*
in total rewards when you open Citigold via SingSaver. Here's how they stack.
1. Welcome gift
iPhone 18 Pro 512GB (worth S$2,199) or up to S$1,800 cash
From SingSaver
2. Early bird bonus
+S$200
when you fund your account in the first 2 months
From SingSaver
3. Citi cash rewards
+S$1,000
for every S$100,000 invested, plus S$500 if you sign up as an Accredited Investor
From Citi
*To be eligible for the S$7,899* welcome rewards, you will have to fulfill all of the following criteria:-
- Successfully establish a Citigold with S$500,000 in Fresh Funds
- Sign up as an Accredited Investor (AI) on an individual basis in the capacity as a primary accountholder,
- Of the S$500,000 in Fresh Funds, invest and/or insure S$500,000 before the end of the Welcome Period,
- Maintain the Citigold relationship up to point of reward fulfilment
- Fund in within the first 2 months
Citigold Sign-up Promotion via SingSaver
Ending 1 Nov 2026
Product | Eligibility | SingSaver Exclusive Offer | Stackable Citi Welcome Offer | ||
|---|---|---|---|---|---|
For New-to-bank Citigold Customers,
| ★ Highest Value Choose from one of the following:
Plus, get an extra S$200 when you fund your account in the first 2 months of account opening to qualify. |
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For New-to-bank Citigold Customers,
| ♥ Most Popular Choose 1 of these 3 gifts:
S$1,200 Cash
75,000 Max Miles
Apple iPad (A16) 11" Wi-Fi 128GB + Apple Watch Series 12 iPad worth S$649 + Apple Watch worth S$669 Plus, get an extra S$200 when you fund your account in the first 2 months of account opening to qualify. |
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For New-to-bank Citigold Customers,
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For New-to-bank Citigold Customers,
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*Gift value up to assumes you choose the highest-value welcome gift, qualify for the early bird bonus and all applicable Citi rewards, and invest your full deposit amount by the end of your 3rd calendar month. Citi's investment reward is S$1,000 for every S$100,000 invested, so your total will be lower if you invest less. SingSaver and Citi rewards are fulfilled separately. Please refer to the Promo Terms & Conditions for full details.
Citigold key benefits
Grow your money
- ✓Earn up to 7.51% p.a. on the Citi Wealth First account. T&Cs apply.
- ✓Pay 0%* commission on online US and HK buy trades for your first 6 months with a new Citibank Brokerage account
- ✓Unlock more investment options if you opt in as an Accredited Investor
Expert support
- ✓Your own Relationship Manager, backed by a team of wealth specialists
- ✓A wealth plan built around you with Citigold's Total Wealth Advisor
- ✓Global research and insights from 350+ analysts
Bank globally
- ✓Zero FX fees in 150+ currencies with your Citigold Debit Mastercard and Citibank Global Wallet
- ✓Keep your Citigold status in 30+ countries when you bank at Citibank branches overseas
Citigold
Max. Annual Interest Rate
Min. Assets Under Management
From S$250,000
How to earn up to 7.51% p.a. on Citi Wealth First
Earn bonus interest across 6 categories, plus base interest. Pick the ones that fit how you bank, and the rates add up.
Earn every month
Bonus applies each month you meet the criteria
1.00% p.a.Salary
Credit at least S$5,000 a month via FAST, PayNow or GIRO, with "SALARY" in the description
1.50% p.a.Spend
Spend at least S$750 a month on eligible retail transactions with your Citibank Debit Mastercard
0.50% p.a.Save
Grow your average daily balance by at least S$3,000 compared with the previous month
Earn for 12 months
One qualifying action unlocks the bonus for a full year
1.50% p.a.Invest
Make new lump sum investments (unit trusts, structured notes and/or bonds) of at least S$50,000 in a calendar month
1.50% p.a.Insure
Buy new single premium insurance of at least S$50,000 in a calendar month (CPF and SRS purchases excluded)
1.50% p.a.Borrow
Take up a new home loan of at least S$500,000 (interest offset loans and overdrafts excluded)
Bonus interest is paid on the Citi Wealth First Account. For Citigold customers, it applies to the first S$250,000 of your average daily balance, provided you maintain a Total Relationship Balance of at least S$250,000. Otherwise, bonus interest applies to the first S$50,000 only. Investment purchases are only available to customers aged 21 and above. T&Cs apply.
Who is Citigold for?
Citigold is ideal for individuals with significant financial assets who want expert support in managing and growing their wealth.
Recommended for
✓Established professionals
Mid-career executives earning high incomes and planning long-term wealth goals like property investment, retirement planning, or their children’s education.
✓Business owners
Entrepreneurs who want to park idle cash, manage cross-border banking, or access curated investment options.
✓Globally mobile individuals
Frequent travellers or expats who want consistent priority banking and investment support across countries.
Not ideal for
✕Young professionals just starting out
If you’re still building up your savings and haven’t hit S$250,000 in assets, Citigold may be premature.
✕DIY investors
If you prefer managing your own investments through brokerages, the value of Citigold’s advisory and bundled services may not justify the commitment.
An Accredited Investor is an individual who meets the requirements set out under the Securities and Futures Act, 2001 of Singapore and opts in to be treated as an Accredited Investor by the bank. To qualify, the individual will need to fulfil one of the following criteria below:
- Net personal assets exceeding S$2 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
- Financial assets (net of any related liabilities) exceeding S$1 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
- An income in the preceding 12 months of not less than S$300,000 (or its equivalent in a foreign currency). Applies to primary account holder.
*Subject to meeting Accredited Investor eligibility criteria.
Visit https://www.citibank.com.sg/AccdInv for details on eligibility criteria and for more information about opting in as an Accredited Investor.
FAQ
Citigold is for customers with at least S$250,000 in assets under management (AUM) with Citibank Singapore, up to S$1.5 million. Your AUM is measured as your Total Relationship Balance, which includes your deposits, investments and insurance held with Citi. Above S$1.5 million, you qualify for Citigold Private Client.
A monthly account service fee of S$15 applies if your Total Relationship Balance falls below S$15,000 at the end of the month. Most Citigold clients keep balances well above this, so the fee rarely applies. Other charges, such as overseas telegraphic transfers, may apply. Check Citi's latest fee schedule for details.
You won't be charged a penalty fee, but you may lose some Citigold benefits. The biggest change is to bonus interest on your Citi Wealth First Account: it drops from the first S$250,000 of your balance to the first S$50,000. Citi may also move you to a different service tier.
No. As a Citigold client, you earn bonus interest on the first S$250,000 of your Citi Wealth First Account balance, and only for the categories you qualify for each month (salary, spend, save, invest, insure or borrow). Balances above S$250,000 earn the base rate of 0.01% p.a.
Citigold is a wealth management relationship: you get a dedicated Relationship Manager, preferential rates and access to a wider range of investments. Citi Wealth First is a savings account that pays bonus interest. Many Citigold clients hold both, using Citigold for advice and investing, and Wealth First to earn more on their cash.
No. You only need to meet the S$250,000 AUM requirement. Becoming an Accredited Investor is optional. It gives you access to a wider range of investment products, but comes with fewer regulatory protections than retail investors get. Your Relationship Manager can walk you through the sign-up process and whether it suits you.
Yes. With Citibank Global Wallet, you pay no foreign transaction or currency conversion fees in over 150 currencies when you use your Citigold Debit Mastercard. You can also hold Singapore dollars and up to 14 foreign currencies in a Citi Foreign Currency Account.
Singapore dollar deposits are insured by the Singapore Deposit Insurance Corporation (SDIC) for up to S$100,000 per depositor, per bank. Foreign currency deposits, structured deposits and investment products are not insured.
Yes. Joint Citigold accounts are allowed, and the combined assets of both account holders count towards the S$250,000 requirement.
Citigold doesn't manage CPF money directly. However, your Relationship Manager can advise on investing your CPF Ordinary Account savings through the CPF Investment Scheme (CPFIS).
Yes. Citigold status is recognised at Citibank branches in over 30 countries. You can also make instant, fee-free transfers between your Citibank accounts worldwide.
Citigold is a good fit if you have S$250,000 or more to place with one bank and want a dedicated Relationship Manager, wider investment access and strong global banking perks. It's less worthwhile if you prefer managing your own investments through low-cost brokerages, or if your balance is likely to fall below S$250,000, since that's where most of the benefits cut off.
Until 31 Oct 2026, Citigold members can get up to 2.00% p.a. on 6-month SGD fixed deposits and up to 4.50% p.a. on 6-month USD fixed deposits, for new funds from S$250,000 or US$200,000. 3-month rates are 1.40% p.a. (SGD) and 4.00% p.a. (USD). T&Cs apply.